A STRETCH
On $100,000/yr, the typical $373,057 home in Albany, NY needs $116,797/yr ($2,725/mo). Your gap: $-16,797 — housing would be 32.7% of your gross income.
The math
373,057 price − 10% down (37,306) = 335,751 loan
30-yr fixed at 7.18% on 335,751 = 2,274/mo principal+interest
+ 451/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
2,725/mo PITI ÷ 0.28 = 9,733/mo → 116,797/yr required
against Zillow ZHVI 2026-09 and the 7.18% FRED 30-yr rate (2026-11-05).
What salary WOULD clear Albany, NY?
You need about $116,797/yr for the typical home. That's $16,797 more than $100,000.